Gregory Huether
Vice President, Wealth Management, Financial Advisor
Phone:
(973) 236-3524(973) 236-3524
The Waverly Group at Morgan Stanley
Direct:
(973) 236-3574(973) 236-3574
Our Mission Statement
We understand the complexities of growing and preserving wealth and provide tailored advice and comprehensive solutions to help you achieve the financial goals you've set for you and your family.
The Waverly Advantage
If you are like many of our clients, you seek greater balance in your life. You want to focus more time on your family or career, and less time worrying about your finances. You value a team of advisors who can help you make smart and confident decisions about your money, supported by a comprehensive process that sets you on a path to long-term financial security.
At The Waverly Group, we understand you have a lot of choices on where and how to invest your money, and we don’t believe that investment advice should be a one-size-fits-all approach. We provide you with personalized and tailored advice designed to meet your financial needs. Above all, we make it a priority to be your advocate, addressing your specific concerns and making sure your investment decisions make sense for you. We are passionate about providing you and your family with customized solutions and a detailed financial plan that is uniquely yours.
Through a series of conversations, we guide you through our goals-based process that puts you in the center of every decision. Our emphasis on financial planning – combined with our access to a robust portfolio platform and risk tools – enables us to help you navigate the complexities of the financial markets and empowers you to make smarter decisions about your money and your future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and your family and sharing details on how we can help you reach your financial goals for today, for your retirement and for the generations that follow.
At The Waverly Group, we understand you have a lot of choices on where and how to invest your money, and we don’t believe that investment advice should be a one-size-fits-all approach. We provide you with personalized and tailored advice designed to meet your financial needs. Above all, we make it a priority to be your advocate, addressing your specific concerns and making sure your investment decisions make sense for you. We are passionate about providing you and your family with customized solutions and a detailed financial plan that is uniquely yours.
Through a series of conversations, we guide you through our goals-based process that puts you in the center of every decision. Our emphasis on financial planning – combined with our access to a robust portfolio platform and risk tools – enables us to help you navigate the complexities of the financial markets and empowers you to make smarter decisions about your money and your future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and your family and sharing details on how we can help you reach your financial goals for today, for your retirement and for the generations that follow.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Sustainable InvestingFootnote3
- Retirement PlanningFootnote4
- Trust ServicesFootnote5
- 401(k) Rollovers
- Planning for Education FundingFootnote6
- Cash Management and Lending ProductsFootnote7
- Philanthropic ManagementFootnote8
- Estate Planning StrategiesFootnote9
- Divorce Financial AnalysisFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients & Process
When we founded The Waverly Group, we gave a lot of thought to the types of clients we wanted to help. Throughout our financial service careers, we came across many different clients with individual needs, but all seeking the same thing: guidance on what to do with their money.
Working together, we developed a dynamic practice that addresses the needs of a broad range of clients. These clients come to us from the New Jersey / New York metropolitan area and from across the country. They include multi-generational families; business owners and corporate executives; women seeking guidance for themselves and their families; retirees and those planning for retirement; and referrals from existing clients and industry professionals.
Understanding that every client’s circumstances and resources are unique and require a customized approach, we created a goals-based process that is designed to help manage your wealth more effectively to reach your financial goals. Our process is outlined below and serves as the blueprint for our standard of care and details what you can expect when working with our team.
Working together, we developed a dynamic practice that addresses the needs of a broad range of clients. These clients come to us from the New Jersey / New York metropolitan area and from across the country. They include multi-generational families; business owners and corporate executives; women seeking guidance for themselves and their families; retirees and those planning for retirement; and referrals from existing clients and industry professionals.
Understanding that every client’s circumstances and resources are unique and require a customized approach, we created a goals-based process that is designed to help manage your wealth more effectively to reach your financial goals. Our process is outlined below and serves as the blueprint for our standard of care and details what you can expect when working with our team.
Step 1: Understanding What's Important To You
• Learn about you and your family to understand your current financial picture and find out what is most important to you.
• Quantify your needs and specific goals. These can include saving for tuition costs, retirement planning, budgeting and managing cash flow, health coverage costs, buying a home, starting a business, or estate planning to name a few.
Plan for Your Future• Quantify your needs and specific goals. These can include saving for tuition costs, retirement planning, budgeting and managing cash flow, health coverage costs, buying a home, starting a business, or estate planning to name a few.
Step 2: Construct Your Blueprint
• Create a tailored goals-based wealth plan that aligns your investment holdings with what you are looking to achieve.
• Determine what asset allocation is best for you now and how to evolve it over time to adapt to changes in the market and changes in your life and career.
• Create hypothetical scenarios based on changes in your spending, social security assumptions, inflation, and changes to your portfolio over time.
• Provide a single snapshot of your finances and a complete net-worth page that updates in real time.
• Determine what asset allocation is best for you now and how to evolve it over time to adapt to changes in the market and changes in your life and career.
• Create hypothetical scenarios based on changes in your spending, social security assumptions, inflation, and changes to your portfolio over time.
• Provide a single snapshot of your finances and a complete net-worth page that updates in real time.
Step 3: Manage Risk and Optimize Your Portfolio
• Access Morgan Stanley’s Portfolio Risk Platform to help identify various elements of risk in your portfolio, down to the security level, and model the potential impact of adjustments before portfolio changes are made.
• Explore hypothetical scenarios of expected and unexpected life events to recommend traditional as well as alternative investment solutions.
• Integrate Morgan Stanley’s intellectual capital and investment resources, which includes access to third-party investment managers and over 450+ Morgan Stanley analysts in 21 countries, to build a custom portfolio.
Portfolio Risk Platform• Explore hypothetical scenarios of expected and unexpected life events to recommend traditional as well as alternative investment solutions.
• Integrate Morgan Stanley’s intellectual capital and investment resources, which includes access to third-party investment managers and over 450+ Morgan Stanley analysts in 21 countries, to build a custom portfolio.
Step 4: Implement Your Plan
• Execute your plan in stages and make changes as needed to reduce risk and reduce costs.
• Deliver the latest market updates and research and provide access to a full suite of digital tools and cybersecurity capabilities including real-time alerts and 24/7 online monitoring.
• Meet in person or over the phone several times a year to review and monitor progress, product changes, cash flow activity and portfolio performance to ensure you stay on track to meet your goals.
The GIC Weekly• Deliver the latest market updates and research and provide access to a full suite of digital tools and cybersecurity capabilities including real-time alerts and 24/7 online monitoring.
• Meet in person or over the phone several times a year to review and monitor progress, product changes, cash flow activity and portfolio performance to ensure you stay on track to meet your goals.
As Your Life and Career Evolves, So Do Your Goals.
We help answer critical questions about your wealth.
- When can I stop working?
- Have I saved enough to cover my expenses throughout retirement?
- What can I expect to pay for medical coverage post-retirement?
- Can I afford college expenses without a loan?
- Am I taking on too much risk in my portfolio?
Empowering Women To Make Informed Choices
If you’re like many women today, you wear multiple hats and have numerous priorities that compete for your time, energy and investable dollars. You spend so much time caring for others that you forget to make yourself a priority, especially when it comes to planning for the future.
At The Waverly Group, we believe it’s critical for women – and men too – to focus on their financial well-being by putting strategies in place to achieve their goals.
Our priority is to help you answer some of the financial unknowns and to help you create a plan to achieve your short- and long-term goals. We do this through ongoing education. Informing you about what’s changing in the markets, what options you have for your money, and what actions you can take today to help you make smarter and more confident financial decisions.
At The Waverly Group, we believe it’s critical for women – and men too – to focus on their financial well-being by putting strategies in place to achieve their goals.
Our priority is to help you answer some of the financial unknowns and to help you create a plan to achieve your short- and long-term goals. We do this through ongoing education. Informing you about what’s changing in the markets, what options you have for your money, and what actions you can take today to help you make smarter and more confident financial decisions.
We can help you address a number of important financial challenges.
• Creating and managing a budget
• Saving effectively so children can attend their colleges of choice
• Managing a life-changing event, such as divorce or the loss of a spouse
• Planning for a successful retirement
• Financing a major purchase, such as a new home
• Minimizing taxes, while optimizing investment performance
With an emphasis on financial literacy and a commitment to outstanding service, we are dedicated to serving the multi-dimensional needs of your busy life, so you may understand and simplify your total financial picture.
Spending and Budgeting• Saving effectively so children can attend their colleges of choice
• Managing a life-changing event, such as divorce or the loss of a spouse
• Planning for a successful retirement
• Financing a major purchase, such as a new home
• Minimizing taxes, while optimizing investment performance
With an emphasis on financial literacy and a commitment to outstanding service, we are dedicated to serving the multi-dimensional needs of your busy life, so you may understand and simplify your total financial picture.
A Commitment To Education & Engagement
We believe ongoing financial education leads to better understanding of how to manage your assets and protect your wealth. Throughout the year, we host a number of activities that focus on all aspects of your financial life. We also sponsor a number of fun and social events that are simply aimed at getting to know you better and providing access to unique experiences.
Please check back regularly for updates on additional activities we hold throughout the year.
We look forward to seeing you at our upcoming events.
Please check back regularly for updates on additional activities we hold throughout the year.
We look forward to seeing you at our upcoming events.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 236-3574(973) 236-3574
Fax:
(908) 547-2807(908) 547-2807
Meet The Waverly Group
Loren Huether
Vice President, Wealth Management, Financial Advisor
Phone:
(973) 236-3574(973) 236-3574
Renee R. Morgan
Senior Portfolio Associate
Phone:
(973) 660-4714(973) 660-4714
About Gregory Huether
Gregory Huether
Vice President, Wealth Management
Financial Advisor
Greg is a Vice President, Financial Advisor and co-founder of The Waverly Group at Morgan Stanley. Since 1997, he has been working with highly successful individuals, families and business owners, providing personalized advice through a disciplined wealth management approach. His extensive experience in the financial industry coupled with his ability to decipher complex financial matters enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal definition of financial success.
Growing up in Edison, NJ, Greg was always interested in the financial markets and enjoyed reading books about investing. One of Greg’s favorite authors is Peter Lynch. He attributes Peter’s book, Beating the Street, as the single biggest influence on his decision to pursue a profession in finance. After graduating from Rider University, where he earned his B.S. degree in Business Administration, Greg began his career as a Sales and Service Associate at Merrill Lynch. He loved being part of the financial world, but it was working one-on-one with clients that was his true passion.
Over the years, Greg has honed his investment and banking skills, working at such firms as Wachovia Bank and Wells Fargo Advisors. In 2011, he joined J.P. Morgan Chase as a Private Client Advisor. A few years later, he began working with his current business partner and wife, Loren. Together, Greg and Loren built a dynamic and successful practice focused on full-service financial planning and investment management. In 2018, they joined Morgan Stanley for the opportunity to provide their clients with a more robust suite of wealth management tools, solutions and research capabilities.
Greg enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His goals-based process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Greg receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Greg currently lives in Madison, NJ with his wife Loren and three sons Liam, Alex, and Jon. A sports enthusiast, he has competed in several Tough Mudder and Spartan endurance races, as well as a half-marathon. Greg enjoys coaching PAL baseball and volunteering within his community.
Vice President, Wealth Management
Financial Advisor
Greg is a Vice President, Financial Advisor and co-founder of The Waverly Group at Morgan Stanley. Since 1997, he has been working with highly successful individuals, families and business owners, providing personalized advice through a disciplined wealth management approach. His extensive experience in the financial industry coupled with his ability to decipher complex financial matters enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal definition of financial success.
Growing up in Edison, NJ, Greg was always interested in the financial markets and enjoyed reading books about investing. One of Greg’s favorite authors is Peter Lynch. He attributes Peter’s book, Beating the Street, as the single biggest influence on his decision to pursue a profession in finance. After graduating from Rider University, where he earned his B.S. degree in Business Administration, Greg began his career as a Sales and Service Associate at Merrill Lynch. He loved being part of the financial world, but it was working one-on-one with clients that was his true passion.
Over the years, Greg has honed his investment and banking skills, working at such firms as Wachovia Bank and Wells Fargo Advisors. In 2011, he joined J.P. Morgan Chase as a Private Client Advisor. A few years later, he began working with his current business partner and wife, Loren. Together, Greg and Loren built a dynamic and successful practice focused on full-service financial planning and investment management. In 2018, they joined Morgan Stanley for the opportunity to provide their clients with a more robust suite of wealth management tools, solutions and research capabilities.
Greg enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His goals-based process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Greg receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Greg currently lives in Madison, NJ with his wife Loren and three sons Liam, Alex, and Jon. A sports enthusiast, he has competed in several Tough Mudder and Spartan endurance races, as well as a half-marathon. Greg enjoys coaching PAL baseball and volunteering within his community.
Securities Agent: SC, PA, MD, IN, TX, VA, CA, UT, NJ, NC, MI, DE, CO, NY, IL, WA, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1838640
NMLS#: 1838640
About Loren Huether
Loren Huether
Vice President, Wealth Management
Financial Advisor
Loren is an Financial Advisor and a founding partner of The Waverly Group at Morgan Stanley, a highly skilled wealth advisory team located in Morristown, NJ. With an energetic and positive attitude, Loren seeks to empower clients to achieve new levels of financial success through a customized wealth management approach and a commitment to outstanding service. She enjoys educating clients on how to create and execute an effective financial plan, reduce risk in their portfolio, and make decisions about their wealth. For Loren, professional success is measured in terms of client well-being and goal achievement.
Always intrigued by the world of finance, Loren attended the School of Business at Fordham University, earning her B.S. degree in International Marketing and Financial Management. She graduated Summa Cum Laude and was named valedictorian for her degree. Upon graduation, she began her career at a public relations firm specializing in financial services. It is here where she discovered her true passion was more about “why” people make certain financial decisions than influencing their buying habits. This experience led Loren to shift her focus to a profession that was more aligned with her personal mission to help others – specifically women – make more confident financial decisions, where she could have a more direct impact on the quality of their lives.
Loren soon joined J.P. Morgan Chase and acquired her industry licenses so she could work with other advisors to serve the needs of clients. In 2013, she joined the Chase Private Client division, where she began doing full-service financial planning. It was during this time that she met her current business partner and husband, Greg Huether. In 2018, Loren and Greg moved their practice to Morgan Stanley to access more premium wealth management services. They have been integral members of the firm ever since, with Loren taking the lead on goal-based planning and on “women and wealth,” a program dedicated to educating and empowering women to take a more active role in growing and preserving their wealth.
A strong believer in paying it forward, Loren is very involved in giving back to her community. She is a member of Women in Power, a global network of women that focuses on connecting and advancing women in business. Loren is also a member of the Boyle Society and Beta Gamma Sigma, two business honor societies, and is a frequent volunteer with the ASPCA and the NJ Community Food Bank.
Loren lives in Madison NJ with her husband Gregory and son Liam. An ardent reader, she enjoys suspense novels and is a member of a local book club.
Vice President, Wealth Management
Financial Advisor
Loren is an Financial Advisor and a founding partner of The Waverly Group at Morgan Stanley, a highly skilled wealth advisory team located in Morristown, NJ. With an energetic and positive attitude, Loren seeks to empower clients to achieve new levels of financial success through a customized wealth management approach and a commitment to outstanding service. She enjoys educating clients on how to create and execute an effective financial plan, reduce risk in their portfolio, and make decisions about their wealth. For Loren, professional success is measured in terms of client well-being and goal achievement.
Always intrigued by the world of finance, Loren attended the School of Business at Fordham University, earning her B.S. degree in International Marketing and Financial Management. She graduated Summa Cum Laude and was named valedictorian for her degree. Upon graduation, she began her career at a public relations firm specializing in financial services. It is here where she discovered her true passion was more about “why” people make certain financial decisions than influencing their buying habits. This experience led Loren to shift her focus to a profession that was more aligned with her personal mission to help others – specifically women – make more confident financial decisions, where she could have a more direct impact on the quality of their lives.
Loren soon joined J.P. Morgan Chase and acquired her industry licenses so she could work with other advisors to serve the needs of clients. In 2013, she joined the Chase Private Client division, where she began doing full-service financial planning. It was during this time that she met her current business partner and husband, Greg Huether. In 2018, Loren and Greg moved their practice to Morgan Stanley to access more premium wealth management services. They have been integral members of the firm ever since, with Loren taking the lead on goal-based planning and on “women and wealth,” a program dedicated to educating and empowering women to take a more active role in growing and preserving their wealth.
A strong believer in paying it forward, Loren is very involved in giving back to her community. She is a member of Women in Power, a global network of women that focuses on connecting and advancing women in business. Loren is also a member of the Boyle Society and Beta Gamma Sigma, two business honor societies, and is a frequent volunteer with the ASPCA and the NJ Community Food Bank.
Loren lives in Madison NJ with her husband Gregory and son Liam. An ardent reader, she enjoys suspense novels and is a member of a local book club.
Securities Agent: IN, TX, IL, FL, UT, NJ, CO, NC, MA, WA, PA, DE, MI, CA, VA, SC, NY, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 600016
NMLS#: 600016
About Renee R. Morgan
Renee' joined Morgan Stanley in 1999 and has extensive operational experience in the securities industry and has earned praise for the exceptional level of service she provides. Renee' helps our wealth management clients with all aspects of their accounts, starting with the new account-opening process. She takes great pride in her accuracy, attention to detail and impressive knowledge of day-to-day account operations.
Professional Details:
With Morgan Stanley since 1999
Associate in Business Management, Berkeley College, 1998
Professional Details:
With Morgan Stanley since 1999
Associate in Business Management, Berkeley College, 1998
Contact Gregory Huether
Contact Loren Huether
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Waverly Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
